No Bonus Rate offered for New CDs at this time.

Bonus Rates offered for CD Renewals of $100,000 or more:

Account Name

Annual Percentage Yield

Interest Rate

6 Month CD

.45%

.45%

12 Month CD

.55%

.55%

Non-Interest Bearing

Regular Checking Account

Golden Years Account

ETA (Electronic Transfer Account)

Notice: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding. Substantial penalty for early withdrawal.